我国是全球最大的铸造铝合金生产与消费国。据中国有色金属工业协会统计，2024年，我国铸造铝 合金（再生）产能约为1300万吨，产量约为620万吨；表观消费量约为673万吨。预计到2030年再生铝产 量将达到1800万吨以上。业内普遍认为，推出铸造铝合金期货及期权，是做好金融"五篇大文章"中"绿 色金融"的有力举措，有助于促进我国铝产业绿色低碳发展，进一步完善废铝循环利用的市场和标准， 助力构建绿色低碳循环经济体系。 6月10日，我国期货市场首个再生商品品种——铸造铝合金期货及期权在上海期货交易所挂牌交 易，这也是期货市场首个再生金属品种。截至6月10日下午收盘，铸造铝合金期货品种成交5.73万手 （单边），成交金额110.11亿元，持仓1.15万手。上市铸造铝合金期货及期权，通过发挥期货市场的价 格发现功能，有助于形成规范、透明、高效的铸造铝合金定价机制，还与上海期货交易所已有的氧化 铝、电解铝期货及期权形成协同效应，提升铝产业链企业风险管理能力，为铝产业绿色低碳高质量发展 注入新动力。 首个再生金属品种 我国是世界铝工业大国，已建成"铝土矿—氧化铝—电解铝—铝加工—铝应用—再生铝"的完整产业 链。铸造铝合金 ...

Group 1: Financial Support for Private Enterprises - The People's Bank of China and other regulatory bodies emphasize the importance of financial support for the development of the private economy, advocating for a robust policy framework to enhance financial backing for private enterprises [1] - The insurance sector is encouraged to diversify its product offerings to meet the varied needs of private enterprises, particularly small and micro businesses [2] Group 2: Insurance Innovations and Support - China Life launched the first PCT international patent application fee compensation insurance, aimed at supporting medical technology and specialized small enterprises [3] - The insurance industry is developing comprehensive risk solutions for technology-driven enterprises, including innovative insurance products for sectors like unmanned aerial vehicles and new materials [4] Group 3: Investment Trends and Strategies - By the end of 2024, the balance of insurance fund investments reached 33.26 trillion yuan, reflecting a 15.08% year-on-year increase, with a focus on specialized and innovative enterprises [5] - China Life's investment initiatives include a 50 billion yuan fund targeting technology innovation, supporting over 1,200 private enterprises [6] Group 4: Financing Solutions for Small and Micro Enterprises - The insurance sector is addressing financing challenges for private enterprises by leveraging insurance products to enhance creditworthiness and facilitate loans [7] - China Export & Credit Insurance Corporation supported the export of high-end oil and gas equipment, facilitating 235 million yuan in bank financing [8]

在资产端，保险业努力探索通过多种形式扩大绿色项目投资，为绿色产业注入源头活水。太平资产管理 有限公司参与投资"国家电投—渝恒1号—成渝双城经济圈能源基础设施碳中和绿色资产支持专项计 划"，太平资本保险资产管理有限公司落地华能新能源引战项目，助力水电、光伏电站基地建设，促进 能源产业绿色低碳转型。数据显示，2024年，中国太平深入践行可持续发展理念，大力发展绿色金融， 绿色保费同比增长27.4%，绿色投资同比增长16.9%。 业内人士表示，随着我国绿色金融政策体系日趋完善，保险业在全面支持低碳转型与绿色发展方面加大 力度，但仍存在绿色保险创新基础薄弱、发展动力不足、定价风控难度高等问题，建议进一步优化激励 约束政策、监督评价体系、信息共享机制，促进绿色保险更好服务于实体经济和社会民生。 （责任编辑：关婧） 绿色保险作为绿色金融的重要组成部分，可以充分发挥损失补偿、风险减量、资金引导的作用，助力经 济社会全面绿色转型。国家金融监督管理总局办公厅、中国人民银行办公厅近期联合发布《银行业保险 业绿色金融高质量发展实施方案》，提出保险公司要围绕服务经济社会发展全面绿色转型，研发有针对 性的风险保障方案，完善绿色保险体系 ...

Core Viewpoint - The Ministry of Finance and other nine departments have jointly issued a notice to promote the application of electronic voucher accounting data standards nationwide, aiming to address the challenges of transitioning from paper to digital vouchers and to streamline the processing of electronic vouchers [1][2]. Group 1: Implementation and Benefits - The pilot program for electronic voucher accounting data standards has demonstrated its scientific, normative, and effective nature, achieving social, environmental, and economic benefits [2]. - The standards provide a unified technical specification and structured data standards for the processing of electronic vouchers, facilitating seamless handling of various processes such as receipt, reimbursement, accounting, and archiving [2][3]. - The transition from paper vouchers to electronic vouchers is expected to significantly reduce the workload of financial personnel, lower management costs, and enhance work efficiency [3]. Group 2: Guidelines and Principles - The notice emphasizes a "localized and classified approach" to the application of electronic voucher accounting data standards, taking into account the differences in unit nature, scale, and accounting information technology levels [3]. - Units are encouraged to assess their own accounting information technology levels and business situations to determine the scope of electronic vouchers to be applied, referencing the experiences from the pilot programs [3]. Group 3: Future Recommendations - The application of electronic voucher accounting data is seen as a means to build a fiscal big data cluster, supporting refined budget management and enhancing financial supervision across various levels [4]. - Recommendations include improving the standard system and related mechanisms to ensure the successful implementation of the promotion work, as well as strengthening infrastructure to encourage more units to participate actively [4].

经济日报记者 勾明扬 近日，1年期和5年期以上贷款市场报价利率（LPR）同步下降10个基点，分别降至3.0%和3.5%。多 家商业银行纷纷开启新一轮存款利率下调，主要涉及活期存款、定期存款和通知存款等多种产品类型。 这场"双降息"，一头牵动购房者和贷款者，另一头则直接影响广大储户的钱袋子。 对于购房者而言，最关心的问题莫过于：LPR下调后，房贷能降多少？按100万元贷款本金、贷款 期限30年、等额本息方式还款估算，政策前后对比，还款总额可以减少约2万元。同时，在房贷利率重 定价日后，存量房贷利率可跟随下调，降低已购房居民还贷压力。招联首席研究员董希淼表示，随着居 民住房贷款、消费贷款利息支出减少，居民消费意愿和能力将进一步提升，这将有效促进房地产市场止 跌回稳，同时有助于提振消费、扩大内需。 虽然贷款利率降了，但是靠存款吃到的利息也越来越少了，该怎么打理手里的资产？这是老百姓心 头的大事。中信证券首席经济学家明明分析，新一轮存款利率下调有利于银行控制利息成本，但也会加 大揽储难度，银行理财等低风险资管产品将迎来增量资金。 中国邮政储蓄银行研究员娄飞鹏也表示，随着存款利率走低，居民普遍有开展投资理财增加投资收 ...

Core Viewpoint - The People's Bank of China has issued a new regulation on anti-money laundering and counter-terrorist financing for precious metals and gemstones, effective from August 1, 2023, which mandates institutions to fulfill anti-money laundering obligations for cash transactions exceeding 100,000 RMB or its equivalent in foreign currency [1][2]. Group 1: Regulatory Context - The regulation aims to address the regulatory gap in the precious metals and gemstones sector, which is often exploited for money laundering due to its high value and portability [1]. - The Financial Action Task Force (FATF) has classified precious metals and gemstones traders as specific non-financial institutions, requiring them to comply with anti-money laundering obligations [2]. - The 100,000 RMB cash threshold is seen as a balance between regulatory efficiency and cost, aligning with international standards [2]. Group 2: Impact on Consumers - Consumers purchasing precious metals or gemstones through non-cash methods, such as credit cards or mobile payments, are not directly affected by the new regulation, regardless of the amount [3]. - The regulation primarily targets cash transactions, and as long as consumers ensure their funds are legally sourced and transactions are conducted through proper channels, their normal investment activities will not be significantly impacted [3]. Group 3: Industry Response and Future Outlook - The regulation reflects a growing trend towards stricter compliance requirements for anti-money laundering within the industry, necessitating institutions to invest more resources in establishing robust internal controls [3]. - There is an emphasis on enhancing data sharing and communication with regulatory bodies to improve transaction monitoring and identification of suspicious activities [3].

Group 1 - As of the end of June, China's foreign exchange reserves reached $33,174 billion, an increase of $322 billion from the end of May, marking a rise of 0.98% [2] - The increase in foreign exchange reserves is attributed to the depreciation of the US dollar, which fell by 2.5% to a three-year low of 96.9, leading to a collective appreciation of non-USD currencies [2][3] - The rise in global financial asset prices, including a 1.0% increase in the USD-denominated global bond index and a 5.0% rise in the S&P 500 index, also supported the increase in foreign reserves [2][3] Group 2 - Analysts believe that the significant depreciation of the US dollar has enhanced the valuation of non-USD assets within China's foreign reserves, contributing to the larger increase in reserves for June [3] - The current level of foreign reserves is considered to be at a moderately sufficient level, providing support for maintaining the RMB exchange rate and acting as a buffer against external shocks [3] - China's economy is expected to continue its steady growth, and resilient foreign trade is likely to help maintain the stability of foreign exchange reserves [3] Group 3 - As of the end of June, China's gold reserves amounted to 7.39 million ounces, an increase of 70,000 ounces from the end of May, indicating a continued strategy of increasing gold holdings [4] - The importance of gold as a widely recognized ultimate payment method is increasing, especially in the context of rising geopolitical risks and the diminishing reliability of traditional safe-haven assets like the US dollar [4] - Gold is viewed as a non-sovereign credit reserve asset that can effectively hedge against single currency risks and optimize the structure of foreign exchange reserves [4]

上海金融与法律研究院研究员杨海平表示，大型银行积极响应中央金融工作会议关于加快处置高风 险中小金融机构的有力举措，参与农村中小银行改革化险，充分体现了上下一盘棋的体制优势，向外界 传递出加速改革化险的积极信号。不过，总体来看，未来大型银行参与村镇银行改革案例不会很多。因 为在村镇银行改革化险中，大型银行设立的村镇银行占比较小。绝大多数的村镇银行主发起行为城商 行、农商行。 今年以来，我国村镇银行进行"村改支"的动作在多地频繁上演，由地方城商行、农商行等主发起行 参与，将其旗下经营不善的村镇银行进行改制。例如，常熟银行于今年6月份发布公告显示，常熟银行 拟吸收合并如东融兴村镇银行，合并后如东融兴的法人资格将注销，其全部业务、资产及负债由常熟银 行承继，并计划设立分支机构以优化网点布局。 杨海平表示，稳妥有序推进村镇银行重组，首先要审慎选择改革重组的形式。需要考虑村镇银行的 风险程度以及主发起行和属地政府的可用资源、化险责任。风险不是很严重的情况下，可以考虑主发起 行增资。风险相对严重的情况下，若村镇银行处于城商行、农商行经营地域范围之内，则使用吸收合并 的方式；如果超出了主发起行的经营地域范围，则多用他行吸收合 ...

经济日报记者 勾明扬 为充分发挥绿色金融牵引作用、完善绿色金融标准体系和基础制度，中国人民银行、国家金融监督 管理总局、中国证监会近日联合印发《绿色金融支持项目目录（2025年版）》，进一步加大金融支持经 济社会发展全面绿色转型和美丽中国建设力度。 目前我国绿色信贷规模全球第一，绿色债券、绿色保险市场规模居全球前列，预计2030年实现碳达 峰目标资金需求将超25万亿元，绿色金融发展空间十分广阔。 政策加力支持 中国人民银行发布的《2025年第一季度中国货币政策执行报告》显示，今年3月末，绿色债券累计 发行4.3万亿元，其中绿色金融债累计发行1.8万亿元，为金融机构投放绿色信贷提供了稳定资金来源。 聚焦重点领域 深入推进污染防治攻坚，是绿色金融加大支持力度的重点领域之一。 6月13日，国家开发银行在上海清算所面向全球成功发行80亿元3年期绿色金融债券，发行利率 1.32%，获得了各类投资者的踊跃认购，认购倍数达2.33倍。本次发行募集资金将用于支持污水处理、 再生利用及污泥处理处置设施建设运营，生活垃圾处理设施建设运营等城市更新领域项目。据测算，相 关项目按照绿色债券支持比例折算后，预计可实现年减排二氧化碳4. ...

经济日报记者 王宝会 7月14日，海关总署在国新办举行的新闻发布会上披露数据显示，我国外贸经营主体活力不断释 放。上半年，我国有进出口实绩的外贸企业62.8万家，历史同期首次突破60万家，较去年同期增加了4.3 万家。其中，民营企业54.7万家，进出口增长7.3%，占进出口总值近六成。河南、浙江等地金融监管部 门日前也发布相关通知，鼓励银行创新金融产品和服务模式，积极提供全链条、一揽子综合金融服务， 为外贸企业"出海"保驾护航。 具体来看，河南金融监管局印发《关于进一步做好外贸企业金融服务的通知》，全力夯实外贸金融 服务支撑。浙江金融监管局在现有小微融资协调工作机制下单列外贸板块，将走访对象扩大至全部外贸 企业。截至2025年5月末，已走访外贸企业6.2万家，累放贷款金额3885亿元。 今年5月份，国家金融监督管理总局等8部门发布《支持小微企业融资的若干措施》提出，加大对跨 境电商等外贸新业态小微企业的金融支持。金融监管总局发布《关于做好2025年小微企业金融服务工作 的通知》也提出要加力支持小微外贸企业，依托进出口贸易场景及订单、物流等数据要素，提升信用评 估和金融服务水平，促进稳外贸稳增长。 中国邮政储蓄 ...